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Define Small Business on the basis of annual Turnover? Whose Annual turnover is less than 50 crore. How will you define Retail Customers? Borrowers with exposure of more than 5.00 crore What is Priority sector target of Direct & Indirect Agriculture for Domestic banks? 13.5% of ANBC or Off Balance Sheet Items whichever is higher. 4.5% for Indirect Agri. What are targets and sub-targets of DRI advances? 1% of total outstanding advances of previous year. Out of which 40% should go to SC/St and 2/3rd must route though Rural and Semi Urban branches. Priority Sector Target For Housing Loan Housing Loan ----Rs. 25 lac for Metro stations having population 10.00 lac and above. Rs. 15 lac for other cities. For Repair-----------up to 2.00 (Rural and SU) and Rs. 5.00 lac (Urban and Metro) Define Small and Marginal farmer. Farmers having land up to 1 hector are Marginal Farmers and others having land up to 2 hector are Small Farmers. Define Micro, Small and Medium for manufacturing and service units. Investment in Plant and Investment in Equipment Machinery for for Manufacturing Units Service Units Micro Up To Rs. 25 lac Up To Rs. 10 lac Small Up To Rs. 5.00 crore Up to Rs. 2.00 crore Medium Up To Rs. 10.00 crore Up To Rs. 5.00 crore What are provisioning norms for NPAs? Classification of assets Provision on Secured Provision on Unsecured

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Sub-Standard 15% 25% Doubtful (D1) 25% 100% Doubtful (D2) 40% 100% Doubtful (D3) 100% 100% Loss Assets 100% 100% What are Prudential norms for individuals and Groups as per RBI guidelines? Individuals Groups General 15% of Capital Funds 40% of Capital Funds Infrastructure 20% of Capital Funds 50% of Capital Funds Oil Companies 25% of of Capital Funds How much amount of loan can be sanctioned to Agriculture and SME without Collateral Agriculture --------------1.00 lac SME----------------------10.00 lac Monetary and Credit policy is issued by RBI how many times in a year? Monetary Policy is issued annually with quarterly review. Credit Policy twice a year. RBI has restricted bank to finance against/to _______________? 1. Banks own shares 2. Relatives of Directors and Senior Officers. 3. Sensitive commodities under selective contro measures. 4. FDRs of other banks, CDs, Companies for buy back of shares and Industries consuming Ozone Depleting Substance (ODS) Explain Delivery of credit for WC limits of 10 crore and above. CC component --------20% WCTL component-----80% The proportion is not fixed but is flexible according to requirement of borrower. What are provisioning norms for Standard Assets? Classification Rate of provision Direct SME and Direct Agriculture 0.25%

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Others 0.40% Commercial Real Estate 1% Teaser Housing Loans 2% What are PS targets for Micro and Small Enterprises? All MSE loans will be treated as PS. But sub-targets within overall MSE loans are as under: 40% 20% 40% Manufacturing units Up to Rs. Above 5.00 up Rs. Above 25.00 lac having Investment in 5.00 lac 25.00 lac Plant and Machinery Service Units having Up to Rs. Above Rs. 10.00 Above Rs. 10.00 Investment in Equipment 2.00 lac lac lac What are PS targets for Foreign Banks having less than 20 branches in India? Total Priority Sector 32% of ANBC or Off Balance Sheet Items (Higher) Agriculture No specific target but forms part of Total PS MSE units No specific target but forms part of Total PS Export No specific target but forms part of Total PS Weaker sector No specific target but forms part of Total PS In how many years, Foreign banks with 20 branches and above in India need to achieve PS target of 40%? 5 years starting from 1.4.2013 up to 1.4.2018. What are PS targets of weaker sector for Domestic banks and Foreign banks having 20 and above branches in India? 10% of ANBC or Off Balance Sheet Items whichever is higher. What is ANBC? Bank Credit in India + Bills Rediscounted with RBI/other approved institutions + Investment in non-SLR bonds under HTM category + other investments eligible to be treated as PS. Base Rate is determined in each bank by -----------------------Asset Liability Management Committee (ALCO)